What exactly does a Georgia Business Owners Policy include and what does it leave out?

A BOP typically covers $1M per occurrence general liability, your business property at replacement cost, and 12 months of business interruption. What it does not cover by default: cyber liability (separate policy), professional errors (E&O required), flood, earthquake, employment practices claims, and workers compensation. Review your specific BOP form with your agent. Many small businesses assume they are fully covered after buying a BOP and discover the gap only when they file a claim that falls in an exclusion.